HDFC Ergo General Insurance Company is a leading name in the general insurance industry. The company has been established as a joint venture between HDFC Limited and ERGO International AG. While HDFC Limited is a leading financial services company of India, ERGO International AG is the main insurance company of the Munich Re Group. HDFC Ergo offers a range of general insurance products which meet the insurance requirements of common individuals as well as corporate entities. You can find motor insurance plans, travel insurance plans, fire insurance plans, commercial insurance plans and health insurance plans offered by HDFC Ergo. All the company’s plans provide a good scope of cover and come with competitive premiums.
HDFC Ergo health insurance review – Facts about the company
Here is the range of HDFC Ergo medical insurance plans offered and their details in brief –
- The company is spread across more than 100 cities of India with 120+ branches and 3000+ employees working for it
- ICRA has conferred the company with a rating of ‘iAAA’ because of the high claim settlement record that the company has
- The company also enjoys ISO certification for its efficient services in customer service, policy issuance, technological developments, etc.
- The company has won various awards over the years since it was established.
- More than 1 crore customers are currently being served by HDFC Ergo
Benefits of HDFC Ergo medical insurance plans
HDFC Ergo offers some of the best health insurance plans. Moreover, its plans also provide you the following benefits –
- The company offers you round the clock assistance for your grievances and product related queries
- 90% of the pre-authorised cashless claims which are made under HDFC Ergo health insurance plans are approved by the company within 20 minutes. This ensures that your claim settlement is easy and quick
- HDFC Ergo health insurance plans offer the facility of a Wellness Application which can be downloaded on your Smartphone. This application helps you lead a healthy lifestyle and also rewards you for doing so
- HDFC Ergo medical insurance policies are issued online without the need of lengthy paperwork. This makes buying the policies an easy affair
- The company has a network of more than 10,000 hospitals across India to cater to cashless claim settlements
Click the link below, enter a few details & sail away with the most appropriate health insurance policy for your needs.
HDFC Ergo health insurance review – Key features of HDFC Ergo health insurance plans
HDFC Ergo medical insurance plans have the following salient features-
- A range of health insurance policies is issued by the company. You can buy a policy to cover yourself, your family members and also dependent senior citizen parents
- Critical illness policy is also offered by the company which covers a list of critical illnesses and pays a lump sum benefit on their diagnosis
- Personal accident plans are also available which cover accidental injuries and pay a lump sum benefit at the time of claims
- All health plans offered by the company allow lifelong renewals
- There are optional coverage benefits too which can be added to your policy for a more inclusive scope of cover
HDFC Ergo health insurance review – Types of plans
Here is the range of health insurance plans offered by the company and their details in brief –
1. HDFC ERGO my:health Suraksha Insurance Silver Smart Plan
This is an indemnity health insurance plan which allows affordable coverage levels and covers the medical costs that you actually incur. The salient features of the plan are as follows
2. HDFC ERGO my:health Suraksha Insurance Gold Smart Plan
This is a more comprehensive version of the Silver Smart Plan. The plan also covers actual medical expenses and comes with a range of add-on covers. The salient features of the plan are as follows –
3. HDFC ERGO my:health Suraksha Insurance – Platinum Smart Plan
This is the most premium cover under the HDFC ERGO my:health Suraksha health insurance plans. The plan provides coverage for almost all types of medical expenses as well as options for policy extensions and riders. The salient features of the policy are as follows –
4. HDFC ERGO Health Suraksha Silver Plan
This is a simple health insurance plan which offers affordable coverage and has the following salient features –
5. HDFC ERGO Health Suraksha Gold Plan
This is another variant of the HDFC ERGO Health Suraksha policy albeit with a wider scope of coverage. The features of the plan are as follows –
6. HDFC ERGO my:jeevika Cash@Hospital Micro Insurance Plan
This is a micro-insurance health plan which offers coverage for the rural population of India. This is a fixed benefit health insurance plan under which a fixed amount of daily benefit is paid if the insured is hospitalised for a period of 24 hours or more. The features of the plan are as follows –
7. HDFC ERGO my:jeevika Medisure Micro Insurance
This is also a micro-insurance plan which provides indemnity oriented health insurance coverage with the rural population of India. The plan covers the actual hospital bills up to the specified sum insured. The features of the plan are as follows –
8. HDFC ERGO my:health Medisure Super Top-up Insurance plan
This is a super top-up health insurance policy which has a specific deductible limit. If the total claims in a policy year exceed the deductible limit, the plan pays the excess claim. This plan can be taken to increase your sum insured. The features of the plan are as follows –
9. HDFC ERGO Critical Illness Silver Plan
This is a fixed benefit health insurance plan which covers a list of critical illnesses. If you are diagnosed with any of the covered illness, the plan pays the sum insured in lump sum irrespective of the medical costs that you incur. The features of the plan are as follows-
10. HDFC ERGO Critical Illness Platinum Plan
This is also a critical illness health insurance plan which pays a fixed benefit on diagnosis of the covered illnesses. However, the plan covers more illnesses and has the following features –
11. HDFC ERGO Health Suraksha Top-up Plan
This is a supplemental health insurance plan like a super top-up plan. Under this plan also the aggregate claims are considered against the deductible limit and if the total claim in a year exceeds the deductible limit, the claim is paid. The features of the plan are as follows –
HDFC ERGO, therefore, offers the above-mentioned health insurance policies. You can pick any policy based on your coverage needs from the list of plans offered.
Coverage and exclusions under HDFC Ergo health insurance plans
Now that you know the different policies offered by HDFC Ergo, let’s have a look at the coverage benefits and exclusions which are common to the above-mentioned health insurance plans –
- Coverage benefits
- Inpatient hospitalisation expenses which include the cost of room rent, doctor’s fee, nurse’s fee, treatment costs, etc.
- Pre hospitalisation expenses
- Post hospitalisation expenses
- Daycare treatments
- Cost of road ambulance
- Domiciliary treatments which are taken at your home
- Organ donor treatments where the cost of harvesting the organ is covered
- Free health check-ups at specified intervals during the policy
- Exclusions
- Pre-existing illnesses are not covered from the start of the policy. They are covered after a specified waiting period
- Illnesses incurred within the first 60 to 90 days of buying the policy are not covered
- Pregnancy-related costs and expenses are not covered unless they are specifically included in the plan’s coverage benefits
- Cosmetic treatments, LASIK surgery, dental treatments, etc. are not covered
- Unproven and experimental treatments are not covered
- Self-inflicted injuries and attempted suicides are excluded from coverage
- Injuries or illnesses due to war, radiation, nuclear contamination, etc. are not covered
- Participation in defence-related activities or any other hazardous activities would not be covered
- HIV/AIDS and other sexually transmitted illnesses are not covered
How to buy HDFC Ergo health insurance plans?
You can buy HDFC Ergo health insurance plans online through the company’s website or through Turtlemint. While the company’s website would allow you to buy the plan that you want, on Turtlemint you would be given a choice of similar health insurance plans for comparison. This comparison would allow you to compare the coverage benefits of different plans and then select the plan which has the best features without taxing your pockets.
To buy through Turtlemint, you should take the following steps –
- Visit https://www.turtlemint.com/health-insurance and choose whether you want to buy a new policy or top-up an existing one
- Provide your details based on which the coverage and premium would be calculated. The details include your age, gender, members to be covered under the plan, pre-existing illnesses if any, annual income, etc.
- Once the details are entered, you would be shown a list of some of the best health insurance policies which would also include HDFC Ergo health insurance plans
- Compare the plans and choose the best one
- Fill up an online application form and pay the premium online to buy the policy quickly
Things to consider before buying HDFC Ergo health insurance
Before you buy an HDFC Ergo health insurance policy, the following points should be kept in mind –
- All your family members should be covered under the plan
- The sum insured should not be too low. You should opt for an optimal coverage level which would help you meet the high medical costs in times of need
- Look for different types of premium discounts offered by HDFC Ergo health insurance plans. These discounts would lower your premiums
- The premiums should be affordable so that you can continue the plan lifelong
How to renew HDFC Ergo health insurance plans?
Health insurance plans allow lifelong coverage if you renew them on time. Thus, renewal is necessary to enjoy uninterrupted coverage. To renew the policy, you can visit HDFC Ergo’s official website https://www.hdfcergo.com/ and choose ‘Renew’. Then provide your policy details, pay the renewal premium and the policy would be renewed online.
If you have bought the policy from Turtlemint, you can log into your online Turtlemint account, choose the policy and click on ‘Renew’. Renewal would be done instantly when you pay the renewal premiums online.
How to make a claim in HDFC Ergo health insurance plans?
Claims under HDFC Ergo health insurance plans occur when you or your insured family member faces a medical emergency and is hospitalised. In the case of claims, the following steps should be taken –
- Inform HDFC Ergo immediately about the claim
- Locate the networked hospital closest to your area and get admitted there for cashless claims
- You would have to fill up a pre-authorization form and submit it with HDFC Ergo for cashless claims. This form should be submitted either within 24 hours of an emergency hospitalisation or 3-4 days before a planned hospitalisation
- Based on the pre-authorization form, the claim would be approved
- You can take treatments at the hospital and the insurance company would bear the medical costs
- After you are discharged, fill up the claim form and submit it with other claim related documents to get the claim settled
- If you have taken treatments at a hospital which is not tied-up with HDFC Ergo, your claim would be settled on a reimbursement basis. You would have to pay the medical costs yourself and get treated. After discharge, submit the claim form and the relevant documents and the insurance company would reimburse the costs that you have incurred.
Alternatively, if you buy your policy through Turtlemint, you do not have to take the above-mentioned steps. You just have to inform Turtlemint at 1800 266 0101 or claims@turtlemint.com and the company would take up your claim. Turtlemint would coordinate with HDFC Ergo, follow the claim procedure and get your claim settled at the earliest.
Documents required for making a claim
To make a claim in your HDFC Ergo health insurance policy, the following documents would have to be submitted –
- Claim form
- Identity proof
- Discharge summary
- Medical bills and reports
- All hospital bills and reports
- Doctor’s prescriptions
- Other documents as needed by HDFC Ergo
HDFC Ergo health insurance review
HDFC Ergo is a reputed brand name and it offers a range of varied health insurance plans. Given the variety of health insurance plans, HDFC Ergo health insurance policies are quite suitable for individuals with different coverage needs. The premiums are also low and the coverage levels are optimal enough to meet the expensive medical treatments. So, if you are looking for a comprehensive health insurance policy, you can choose from HDFC Ergo’s health insurance plans.